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Commission Disclosures: Approaches, Challenges and Legal Ruling

Market Briefing Regulatory & Compliance

Online

Zoom

25th March 2025 • 13.00 - 14.00

About this session

Considering the UK Court of Appeal’s recent ruling on motor finance commission disclosures, this webinar will explore the critical importance of transparency of premium finance commissions to customers.

Key topics include:

Current regulations
Case studies of leading firms
Strategies for ensuring customer informed consent
Compliance measures

This event is essential for compliance professionals, product managers and commercial teams aiming to understand the evolving regulatory environment and enhance transparency with customers.

Learning objectives

At the end of this session, delegates will be able to:

Explain why commission disclosures are being implemented in the insurance market
Outline the different commission disclosure approaches being taken by organisations
Summarise how each commission disclosure approach would be viewed by the rule of law
Outline the essential criteria established by the Court of Appeal for determining when a commission disclosure is considered acceptable

Christopher Rees

Defray Lead • Render

Chris Rees leads Defray, Render’s insurance payment proposition.

Having previously worked in the Insurance market, both in the UK and internationally, Chris has significant experience in helping to deliver and scale new insurance products to market. Chris’ interest in premium finance peaked in his last role, where he saw an opportunity for a disruptor like Render to transform the market.

Defray is the first solution of its kind in the insurance industry, offering MGAs comprehensive support for premium finance, card payments, claims payouts, and client money management

Ben Player

Associate Director • Osborne Clarke

Ben is an Associate Director in Osborne Clarke’s financial institutions group and specialises in FinTech and the regulation and development of products offered to consumers and small businesses.

He regularly advises banks and other finance providers (including market disruptors) on all aspects of regulated credit and associated conduct of business rules. Ben also helps clients structure new and innovative products and helps clients through the FCA authorisation process.

He also drafts suites of regulated lending documents and associated terms for a variety of products, including loans, overdrafts, hire and the purchase of receivables.

Ben is listed as an Associate to Watch in Chambers UK 2023, 2024 and 2025 for Consumer Finance and as a Leading Associate in Legal500 2025 for Fintech.

Alan Cathcart

Chief Compliance Officer • Render

Alan is the Chief Compliance Officer at Render, having been with the company since before it was authorised by the FCA.

With over 30 years experience in banking risk and regulation, Alan has held senior risk roles at HSBC, Bank of England and the FSA.

As Chief Compliance Officer for Render Alan has followed the Court of Appeal’s judgment closely and was responsible for implementing Render’s commission disclosure process.